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Hobbie last won the day on May 10 2008

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  1. dx first he isn't a 'friend' as you put it. He is a colleague who I see at work. Secondly I doubt it is the whole story that is why I said I did not know all of the facts. From what I know already 1) He was chased for an old account which he didn't maintain payments on. 2) He sent a letter asking for the CCA to the DCA. 3) DCA fails to provide anything, but continues to chase for payment 4) Disputes the accounts and refuses to acknowledge the debt. 5) DCA Continues to demand payment. 6) He writes back telling them until it is proven the debt belongs to him he will not enter into any further correspondence. From this point on he ignores all requests for payment. Five weeks after he sent the letter saying he will ignore them, the police show up at his home, tell him very little until he is at the police station, it was the solicitor who informed him why he was arrested, he explained to the solicitor what he had done and then advised to not answer any questions as the police was only involved as CapOne suspected fraud. Without knowing the full facts I've little to judge it myself, that is why I posted on here to see if anyone else had heard of anything similar as I certainly haven't. And I CCA'd several DCAs over the years with nothing like this ever happening.
  2. From what I understand, it is his, but is doing what many other people have done in the past on this forum, he asked them to prove the debt was his so sent a request for the credit agreement which he never got back. CapOne (Although I guess it was a DCA) continued to ask him to make a payment, he asked them to prove the debt existed and that it was his debt. I completely agree, CapOne or any one for that matter has the right to make a report to the police if it suspects fraud is committed, but and this is the but as I don't know the full facts, he only done what a lot of other folk have done and asked them to prove the debt and refused to acknowledge it until it was proven.
  3. Just to add to the above. CapOne have still yet to prove the debt belongs to him.
  4. Hi Y'all, A colleague went through the process of disputing a CapOne credit card. Refused to acknowledge the debt until proven it was his. Just been speaking with him in person and informed me he has since been arrested by the police for fraud following an investigation and a complaint made by CapOne. Now I don't know the full facts, but from what he told me he sent them the "bemused" letter that he did not acknowledge the debt, CapOne insisted it was his account. He continued to deny it until proven it was his account/debt. CapOne carried out an investigation on the basis he did not accept the debt as his. 5 weeks later he gets a visit from the local constabulary and arrested on suspicion of fraud. The police released him with no charges brought by them. He informs me that the duty solicitor advised him to make no comment throughout the interview. But that it would be highly unlikely he could claim for wrongful arrest as the police was merely acting on a report of suspected fraud. But is this another tactic CapOne is doing? - Reporting the matter to the police if the person refuses to acknowledge the debt?
  5. Spoke with bank today (who Mortgage is with). Asked them straight out about this. The advisor looked into it and said "If those defaults was NOT on your report when the mortgage was taken out then we would of offer your a better rate, but with them showing then we had to use the information available to us" I have this in writing confirmed by the advisor on headed paper and date stamped.
  6. If you are certain the OL or Cabot has not been in touch with any other instructions to pay then keep the records from the bank showing your attempted payment. They'll soon be in touch no doubt, but if they try to charge you fees or anything you have proof you tried to pay. Sit tight you never know things might get lost. If in doubt though, contact your local CAB who can offer solid advice.
  7. 9 Years later and then ask for a payment? surely it is SB by now if no payments was made?
  8. Continue to pay who you were instructed until told otherwise by the OL. It is up them to inform you otherwise (Or the administrators).
  9. As some one else mentioned, the media may publish "losingmymind of NEWADDRESS formerly of OLDADDRESS was today found guilty of ....."
  10. Unfortunately you committed a crime by your own admission. Accept what comes your way. I am not a one that condones or supports benefit fraud in any way. You claimed the benefit for what ever reason whilst running a business, maybe the business was not going to plan or what ever. But that you still continued to claim public funds. Live up to your actions. Sorry for the harsh words. But I said exactly (well almost exact) to my friend who was found guilty in similar circumstances. I still do not regret having that conversation prior to him departing us. He claimed MY taxes to use as his safety net.
  11. Not want to cause any more distress. But my mate in Newcastle did something similar (Claimed LHA & CTB) whilst running a business from home. The Newcastle Chronicle hounded him, plastered his photo all over the website and printed press. He over claimed just over £840 too. But the council went after him as he had a business and wanted to ruin him. The council the got way. Sadly he isn't with us any more.
  12. No, they'll most likely use this to the councils advantage too. Max Impact. The only the thing the courts generally accept is if it will impact the family (mainly Child(ren) and cause them issues). But running a business will not be enough. And I'd bet my bottom dollar on it the council (if they know about your business) they'll inform the media of this too.
  13. Not quite true. People have been reported in national press for £10,000 and local press for as little as £500. The DWP release the info to the press in order to make max impact so people think twice.
  14. You will be charged under the name you used when the "crime" was committed ie; whilst claiming the benefits. Sorry You can ask your solicitor to apply to the court that your details are not made public if it will harm your family or children.
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